First Capital Bank Mortgage Rates, Fees & Info
Germantown, TNLEI: 549300VHSNSONCKU5207
Tax ID: 30-0095698
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
First Capital Bank is a smaller bank specializing in Home Purchase loans. First Capital Bank has a high proportion of conventional loans. Their top (well, only) market is Memphis.First Capital Bank has an above average approval rate when compared to the average across all lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
1Origination Dollar Volume (All Markets)
$205,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 1 | $205,000 | $205,000 | $0 | 0.00% |
For 2018, First Capital Bank's most frequently originated type of loan was Conventional, with 1 originations.
Loan Reason
Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Home Purchase | 1 | $205,000 | $205,000 | $0 | 0.00% |
For 2018, First Capital Bank's most frequently cited loan purpose was Home Purchase, with 1 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 1 | $205,000 | $205,000 | $0 | 0.00% |
For 2018, First Capital Bank's most frequently cited loan duration was Other, with 1 originations.
Loan Sizing
Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
$200k-400k | 1 | $205,000 | $205,000 | $0 | 0.00% |
2018 saw First Capital Bank place emphasis on $200k-400k loans with 1 originations, totaling $205,000 in origination value.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 1 | $205,000 | $205,000 | $0 | 0.00% |
Ethnicity Mix
Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Not applicable | 1 | $205,000 | $205,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
First Capital Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 1 | $205,000 | $205,000 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
Multifamily:Site-Built | 1 | $205,000 | $205,000 |
Complaints
Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 7.1% |
FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Trouble during payment process | 1 | 7.1% |
FIRST HORIZON BANK | Other type of mortgage | Trouble during payment process | 1 | 7.1% |
FIRST HORIZON BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 7.1% |
FIRST HORIZON BANK | Conventional home mortgage | Struggling to pay mortgage | 3 | 21.4% |
FIRST HORIZON BANK | Conventional home mortgage | Trouble during payment process | 5 | 35.7% |
FIRST HORIZON BANK | FHA mortgage | Trouble during payment process | 1 | 7.1% |
FIRST HORIZON BANK | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 7.1% |